It's that time of year. The clocks have changed, the days are getting shorter, traditional Christmas music enhances our shopping experience...Soon we can expect to start hearing about ‘leaves on the line’ or ‘the wrong kind of snow’ or other circumstances that tend to annually disrupt our lives and which, on the face of it, seem to defeat the best efforts of service providers.Of course, it's important to get these circumstances in perspective, because a late train or congested car journey are not the worst of life challenges in social or global terms. But understanding risks and building ...